BlastPoint's Banking Scorecard
PeoplesBank
Community
Specialty: Commercial
MA
FDIC cert 90213
Holyoke, MA
1484
banks in Community tier nationally
59 in MA
View Community leaderboard (MA) →
PeoplesBank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 28% in Community
- - Liquidity Strain: Bottom 28% in Community
- - Cost Spiral: Bottom 74% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.5B
+3.8% YoY
+3.0% QoQ
|
+$3.1B |
$1.4B
+2.0% YoY
|
$6.4B
+8.5% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$3.5B
+3.4% YoY
+1.5% QoQ
|
+$2.5B |
$975.5M
+2.4% YoY
|
$2.4B
+16.3% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$3.6B
+7.4% YoY
+2.6% QoQ
|
+$2.4B |
$1.2B
+1.7% YoY
|
$5.0B
+10.3% YoY
|
$4.7B
+6.3% YoY
|
Top 2% in tier |
| Return on Assets ? |
0.55%
+2.7% YoY
-7.3% QoQ
|
-0.62% |
1.16%
+17.2% YoY
|
0.52%
+26.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
2.77%
+6.1% YoY
-2.4% QoQ
|
-0.89% |
3.66%
+9.1% YoY
|
2.94%
+13.0% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
69.30%
+9.3% YoY
+5.0% QoQ
|
+6.66% |
62.63%
-5.3% YoY
|
75.86%
-7.9% YoY
|
65.09%
-5.1% YoY
|
28% |
| Delinquency Rate ? |
0.63%
+109.4% YoY
-14.8% QoQ
|
0 |
0.63%
+18.3% YoY
|
0.54%
+38.4% YoY
|
0.66%
+20.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
96.60%
-3.8% YoY
-1.2% QoQ
|
+13.54% |
83.06%
+0.3% YoY
|
93.81%
-0.9% YoY
|
78.04%
+0.7% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
17.40%
-3.5% YoY
+0.9% QoQ
|
-3.65% |
21.05%
-0.9% YoY
|
15.94%
-0.9% YoY
|
21.79%
-1.3% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.52%
+94.0% YoY
-15.3% QoQ
|
+0.03% |
0.50%
+20.3% YoY
|
0.44%
+49.4% YoY
|
0.48%
+20.8% YoY
|
37% |
| Tier 1 Capital Ratio ? |
12.20%
+7.2% YoY
-0.7% QoQ
|
+1.96% |
10.24%
-0.6% YoY
|
10.08%
-2.1% YoY
|
9.75%
-1.9% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.44%
-38.7% YoY
+11.0% QoQ
|
-0.30% |
0.74%
-1.3% YoY
|
0.45%
+1.2% YoY
|
0.65%
+0.6% YoY
|
41% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Credit Risk Growth
risk
#178 of 642 · Bottom 28% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#145 of 513 · Bottom 28% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
96.60%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Cost Spiral
risk
#30 of 40 · Bottom 74% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
69.30%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Total Loans
Current: $3.5B · Tier avg: $975.5M
99
99th pctile
Total Assets
Current: $4.5B · Tier avg: $1.4B
98
98th pctile
Total Deposits
Current: $3.6B · Tier avg: $1.2B
81
81th pctile
Loan-to-Deposit Ratio
Current: 96.60% · Tier avg: 83.06%
49
49th pctile
Tier 1 Capital Ratio
Current: 12.20% · Tier avg: 10.24%
41
41th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.74%
39
39th pctile
Delinquency Rate
Current: 0.63% · Tier avg: 0.63%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.50%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 17.40% · Tier avg: 21.05%
28
28th pctile
Efficiency Ratio
Current: 69.30% · Tier avg: 62.63%
13
13th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.16%
11
11th pctile
Net Interest Margin
Current: 2.77% · Tier avg: 3.66%
Top Weaknesses
11
11th pctile
Net Interest Margin
Current: 2.77% · Tier avg: 3.66%
13
13th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.16%
28
28th pctile
Efficiency Ratio
Current: 69.30% · Tier avg: 62.63%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 17.40% · Tier avg: 21.05%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.50%
39
39th pctile
Delinquency Rate
Current: 0.63% · Tier avg: 0.63%
41
41th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.74%
49
49th pctile
Tier 1 Capital Ratio
Current: 12.20% · Tier avg: 10.24%
81
81th pctile
Loan-to-Deposit Ratio
Current: 96.60% · Tier avg: 83.06%
98
98th pctile
Total Deposits
Current: $3.6B · Tier avg: $1.2B
99
99th pctile
Total Assets
Current: $4.5B · Tier avg: $1.4B
99
99th pctile
Total Loans
Current: $3.5B · Tier avg: $975.5M